Been playing 10v10 to practice microing. see a noob match on twin cities. jump in as the 3rd armored, love the Bradley's. was a victory but re-watched the match and learned a shit ton about my game play, need to use recon more and be just a little more aggressive. (granted wasn't paying to much attention to my team) Ended up playing a 3v1 in the game(side of map with small town next to free way junction) my team mates where on the more defensive side of game play. one guy in the city saw action but never pushed, and his opponent took the opportunity to attack me. took me telling my team I was spent on infantry to keep the game going. one team mate probably spent 500-700pts too reinforce the moment I said that. would that be a good indication to go to 1v1s? I know I need to use more recon and get a bit better at microing still but I took on 3v1 at one point on the ground with almost a constant 2v1 with the third playing air support against me and I was still kicking ass. Granted both teams made mistakes, I just capitalized on mine and their mistakes best. Also nothing against my team mates, was a noob game and they played very well defensively.

I'll be starting my master's degree from NYU Tandon in Aug this year. I'd like to know places where one can rent a decent apartment for around $3,000. I'll be sharing the apartment with a roommate.
Please educate me about the various places in and around NYU that one can rent. Things to consider like safe neighbourhood, supermarkets nearby, groceries etc.
Suburbs is also fine because of how well connected the city is via subway.
Thanks in advance.

I'll be starting my master's degree from NYU Tandon in Aug this year. I'd like to know places where one can rent a decent apartment for around $3,000. I'll be sharing the apartment with a roommate.
Please educate me about the various places in and around NYU that one can rent. Things to consider like safe neighbourhood, supermarkets nearby, groceries etc.
Suburbs is also fine because of how well connected the city is via subway.
Thanks in advance.

Updated SGSRS ratings

Battle At Rum Pointe

• Mar 25–26
• Rum Pointe Seaside Golf Links, Berlin, MD (Host: Iona [not located near the venue])
• States represented: New Hampshire, Massachusetts (2), Connecticut (3), New York (7), New Jersey (3), Maryland.
• Conferences: MAAC (7), NEC (3), Big Sky (2), CAA (2), Ivy (2), Patriot.
• Teams (17): Binghamton Colgate Dartmouth Fairfield Hartford Harvard Hofstra Iona Long Island Manhattan Merrimack Monmouth Mount St. Mary's Rider Sacred Heart St. Peter's Siena
• SGSRS: Harvard (125) and Long Island (195) are the only teams above 220th. Harvard's Brian Ma (388) is the highest-rated player.

Seahawk Intercollegiate

• Mar 26–27
• Country Club of Landfall (Dye Course), Wilmington, NC (Host: UNC Wilmington)
• States represented: Nebraska, Texas, Ohio (2), Maryland, DC, Virginia, North Carolina (4), South Carolina (5), Florida.
• Conferences: Big South (3), SBC (3), Big Ten (2), A-10, ACC, ASun, Big 12, Big East, CAA, Horizon, MAC, Southland.
• Teams (17): Appalachian State Campbell Charleston Southern Clemson Coastal Carolina Davidson Francis Marion Georgetown James Madison Maryland Nebraska Stetson TCU Toledo UNC Wilmington USC Upstate Wright State
• SGSRS: TCU (42) and Clemson (50) lead seven teams in the top 100. TCU's Gustav Frimodt (82) and Kent State's Tyler Goecke (127) are the highest-rated players.

Craft Farms Intercollegiate

• Mar 26–28
• Craft Farms Golf Club, Gulf Shores, AL (Host: South Alabama)
• States represented: Oklahoma, Texas (2), Michigan, Illinois (3), Indiana, Kentucky, Tennessee, Alabama (2), Georgia, Maryland.
• Conferences: SBC (3), C-USA (2), MVC (2), OVC (2), Big East, Horizon, Patriot, SoCon, Summit.
• Teams (14): Bradley DePaul Georgia State Illinois State Loyola (MD) Oakland Oral Roberts Rice Samford South Alabama Southern Indiana Tennessee Tech Texas State Western Kentucky
• SGSRS: Oral Roberts (98) is the highest-rated team; ten others are above 200th. The highest-rated players are Tennessee Tech's Jackson Skeen (270), Illinois State's Valentin Peugnet (278), and Rice's Henry Daly (279).

The Hootie

• Mar 26–28
• Bulls Bay Golf Club, Awendaw, SC (Host: South Carolina)
• States represented: New Mexico, Missouri, Wisconsin, Indiana, Ohio, Kentucky (2), West Virginia, Virginia (2), Tennessee, North Carolina, South Carolina (3).
• Conferences: SEC (3), ACC (2), Big Ten (2), SoCon (2), A-10, ASun, Big 12, CAA, MAC, MWC.
• Teams (15): College of Charleston East Tennessee State Eastern Kentucky Furman Kent State Kentucky Missouri NC State New Mexico Purdue South Carolina VCU Virginia Tech West Virginia Wisconsin
• SGSRS: East Tennessee State (35) and Purdue (39) lead eleven teams in the top 100. Purdue's Herman Sekne (30) is the highest-rated player.

Aggie Invitational

• Mar 27–28
• Bryan Park, Browns Summit, NC (Host: North Carolina A&T)
• States represented: Illinois, Maryland, Tennessee, North Carolina (3), Alabama (2).
• Conferences: CAA (2), NEC (2), SWAC (2), OVC, Ind.
• Teams (8): Alabama A&M Alabama State Chicago State Elon Maryland–Eastern Shore North Carolina A&T North Carolina Central Tennessee State
• SGSRS: Elon (124) is the only team above 270th. The five highest-rated players are all from Elon, led by Garrett Risner (367).

The Big Texan

• Mar 27–28
• Riverhill Country Club, Kerrville, TX (Host: UTRGV)
• States represented: Texas (7), Louisiana (2).
• Conferences: Southland (5), WAC (3), SWAC.
• Teams (9): Houston Christian Incarnate Word New Orleans Southeastern Louisiana Stephen F. Austin Tarleton State Texas A&M Commerce Texas Southern UTRGV
• SGSRS: Tarleton State (172) is the only team in the top 200. The highest-rated player is Southeastern Louisiana's Charlie Forster (439).

Don Benbow Butler Spring Invitational

• Mar 27–28
• Highland Golf and Country Club, Indianapolis, IN (Host: Butler)
• States represented: Wisconsin, Michigan, Indiana (4), Ohio (2).
• Conferences: Horizon (6), Big East, MAC.
• Teams (8): Ball State Butler Cleveland State Detroit Mercy Green Bay IUPUI Purdue Fort Wayne Youngstown State
• SGSRS: Ball State (152) and Butler (181) are the only teams in the top 200. The highest-rated players are Ball State's Joey Ranieri and Kash Bellar (586/604) and Butler's Damon Dickey (659).

Duck Invitational

• Mar 27–28
• Eugene Country Club, Eugene, OR (Host: Oregon)
• States represented: Washington, Oregon (2), Idaho (2), California (4), Arizona, Colorado (2), Kansas, Texas.
• Conferences: MWC (3), Pac-12 (3), WCC (3), Big 12, Big Sky, Big West, C-USA, WAC.
• Teams (14): Boise State Cal Poly Colorado Colorado State Gonzaga Grand Canyon Idaho Kansas Oregon Oregon State Pacific San Jose State Santa Clara UTEP
• SGSRS: Colorado State (26) and Oregon (27) are the highest-rated teams; four others are in the top 100. Oregon's Owen Avrit (20) is the highest-rated player, followed by Colorado State's Connor Jones (58).

Golden Horseshoe Intercollegiate

• Mar 27–28
• Golden Horseshoe Golf Club (Gold Course), Williamsburg, VA (Host: William & Mary)
• States represented: New York, Pennsylvania (5), New Jersey (2), Maryland (2), DC, Virginia (2).
• Conferences: A-10 (3), CAA (2), Ivy (2), NEC (2), Patriot (2), Big East, Big South.
• Teams (13): Fairleigh Dickinson George Washington Lafayette Longwood Navy Pennsylvania Princeton St. Bonaventure St. Francis (PA) St. Joseph's Towson Villanova William & Mary
• SGSRS: Three teams are above 200th – George Washington (137), William & Mary (182), and Princeton (184). The highest-rated players are George Washington's Jakub Hrinda (285) and Princeton's Riccardo Fantinelli (343).

UC San Diego Invitational

• Mar 27–28
• Torrey Pines Golf Club (North Course), La Jolla, CA (Host: UC San Diego)
• States represented: Hawaii, Washington, California (6), Utah (3), Pennsylvania (2), Florida.
• Conferences: Big West (6), WAC (4), Patriot (2), MWC, SWAC.
• Teams (14): Bucknell Cal State Northridge California Baptist Florida A&M Hawaii Lehigh Seattle Southern Utah UC Irvine UC Riverside UC San Diego UCSB Utah State Utah Tech
• SGSRS: Seattle (131) and Cal State Northridge (139) are the highest-rated; half the remaining teams are above 200th. UC San Diego's Davis McDowell (289) is the highest-rated player, followed by UC Riverside's Josh Hu (369) and Seattle's Liam Gill (372).

Valspar Collegiate Invitational

• Mar 27–28
• Floridian National Golf Club, Palm City, FL (Host: Houston [not located near the venue])
• States represented: California, Arizona, Texas (5), Minnesota, Wisconsin, Illinois, Ohio, North Carolina (3), Florida.
• Conferences: ACC (4), Big Ten (3), Big 12 (2), AAC, Big East, Pac-12, SEC, Southland, WCC.
• Teams (15): Arizona State Duke Florida State Houston Lamar Marquette Minnesota North Carolina Northwestern Ohio State Pepperdine Texas Texas A&M Texas Tech Wake Forest
• SGSRS: Seven of the top 14 are in the field, led by Texas Tech (2), North Carolina (3), Arizona State (4), and Florida State (5); all but one of the remaining teams are above 100th. The individual field features nine of the top 16, led by Texas Tech's Ludvig Åberg (3) and North Carolina's David Ford (4).

Golfweek/Any Given Tuesday Intercollegiate

• Mar 27–29
• True Blue Golf Club, Pawleys Island, SC (Host: Golfweek)
• States represented: Colorado, Kansas, Illinois (3), Indiana (2), Ohio (2), West Virginia, Delaware, Connecticut, Arkansas, Tennessee, North Carolina (2), Alabama (2), South Carolina.
• Conferences: ASun (3), Big South (3), MVC (3), Big East (2), SBC (2), A-10, AAC, Big Sky, CAA, MAC, Summit.
• Teams (19): Austin Peay Central Arkansas Connecticut Delaware Evansville Gardner–Webb High Point Jacksonville State Loyola (IL) Marshall Northern Colorado Ohio Southern Illinois Troy Valparaiso Western Illinois Wichita State Winthrop Xavier
• SGSRS: Troy (97) is the only team above 100th; half the rest are in the top 200. Troy's Brantley Scott (187) is the highest-rated player, followed by Valparaiso's Caleb VanArragon (206).

Hotel Bodhi Tree is best hotel in Patna for unmarried couple located in the heart of Patna. It is situated near railway station, which is one of the most upscale neighbourhoods in the city. The hotel is easily accessible by road and is just a 5 -minute from the Patna Junction Railway Station. The location is perfect for travelers who want to stay in a peaceful area but still be close to the city's attractions.
Hotel Bodhi Tree is the best hotel in Patna offers a wide range of features and amenities to make your stay comfortable and enjoyable. The rooms are spacious and well-appointed with modern furnishings. There is air conditioning, flat-screen TVs, free Wi-Fi, and a minibar in every room. The hotel also provides 24-hour room service, laundry service, and concierge services.
One of the most important factors for unmarried couples is privacy. Hotel Bodhi Tree understands this and provides complete privacy to its guests. The hotel has a strict policy of not asking for any identification documents from its guests. This means that you can stay at the hotel without worrying about any legal issues.
The hotel staff is also very discreet and will not disturb you during your stay. They understand the importance of privacy for unmarried couples and make sure that your stay is as comfortable as possible.
Another important factor for unmarried couples is safety and security. Hotel Bodhi Tree takes the safety and security of its guests very seriously. The hotel has 24-hour security and CCTV surveillance. There is also a security guard at the entrance to ensure that only guests are allowed inside the hotel premises.

Hello!
CREDIT PROFILE

• * Current credit cards you are the primary account holder of: (list cards, limits, opening date):
  • BPPR MC $11,200.00 Aug-2007
  • BPPR Visa $4,700.00 Aug-2007
  • Sears MC (Citi) $5,200.00 Jan-2008
  • Discover It $15,000.00 Jun-2014
  • Penfed Visa Plat $20,500.00 Jul-2015
  • CSP $13,800.00 Mar-2023
  • CFF $8,800.00 Mar-2023
• Store Cards:
  • Best Buy SC $3,700.00 Oct-2010
  • Walmart SC $3,400.00 Nov-2008
  • Amazon SC $6,000.00 Dec-2015
  • Home Depot SC $6,500.00 Dec-2019
  • Newegg SC $5,000.00 Jul-2020

​

• * FICO Scores with source
  • Source - myFico
    • EX - 793
    • TU - 801
    • EQ - 806
• * Oldest credit card account age with you as primary name on the account:
  • 15 years, 6 months
• * Number of personal credit cards approved for in the past 6 months:
  • 2
• * Number of personal credit cards approved for in the past 12 months:
  • 2
• * Number of personal credit cards approved for in the past 24 months:
  • 2
• * Annual income $:
  • $92k

CATEGORIES

• * OK with category-specific cards?:
  • yes
• * OK with rotating category cards?:
  • yes
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: 150
  • * Groceries $: 600
  • * Gas $: 200
  • * Travel $: 250
  • * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: no
  • * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $
    • internet: $100
    • insurance: $60
    • utilities: $150
    • Amazon: $75
  • * Any other significant, regular credit card spend you didn't include above?: no
  • * Can you pay rent by credit card? No, mortgage has been paid off

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

• * Current member of Amazon Prime?: yes
• * Current Verizon postpaid customer?: no
• * Current member of Costco or Sam's Club? Sams
• * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services? yes
• * Current member of Chase, US Bank or any other big bank?: No (meaning i dont have checking/savings accounts with any major banks in the, only Penfed)
• * Active US military?: No
• * Are you open to Business Cards?: Not at the moment

PURPOSE

• * What's the purpose of your next card (choose ONE)?: Travel rewards
  • * If you answered "travel rewards", do you have a preferred airline and/or hotel chain?
    • Jetblue, United, Hyatt, Marriot
• * Do you have any cards you've been looking at?
  • CFU, WOH

I got approved for the CSP and CFF within days of each other, i'm concerned about velocity, looking for thoughts/comments/guidance on finishing up the trifecta or changing course and also how long should I wait before applying for my next card?
any recommendations would also be appreciated!

Hey, y'all. I'm moving to Seattle from the midwest to start a new job in Issaquah. I'm in town right now looking for an apartment and will be moving here in the next 1-2 months. I'm learning the hard way about the 20-day-notice "rule," and looking for an apartment this week has been really hard and stressful, and I just don't know how to even decide what part of town to live. I guess there aren't any wrong choices, but I'd love some insight from those of you who actually know this area.
FWIW, I'm moving out here because I want to be in a big city with more diversity again, and I also adore the natural scenery (and the geology...which also terrifies me, but that's another matter, haha). I want a walkable lifestyle no matter where I live, whether that means walking to work or to get groceries and run errands.
Option 1: Issaquah I'm thinking about signing a (very pricey...) 6-month lease near work until I figure out where to live "for real." It's really beautiful and calming out there, and I could potentially walk to work...but it's also 30+ minutes away from all my friends in the area. I'm hesitant to commit to a yearlong lease.
Option 2: Seattle I'd LOVE to be in one of the urban residential areas (hopefully without contributing to gentrification). But a 30-minute driving commute each way - even if it's a reverse commute - is a huge time/energy sink.
Option 3: Renton I really like downtown Renton, plus there are some complexes in my price range right on Lake Washington (not far from The Landing). But it's also kind of far from everything.
Ruled out: Bellevue, Kirkland, the East Side It's taken less than a week to see what a shitshow 405 is. Combined with Bellevue's high rents, I'm just writing it all off for now.
Sorry for the wall of text. I'd really appreciate any perspective you all can provide. Thank you!!

Current cards: Citi Thank You Preferred, 5.2k, 2015; Amex Gold, ??, 2023
​
FICO Score: 769
​
Oldest account age: 8 years
​
Chase 5/24 status: 1/24
​
Income: 95k
​
Average monthly spend and categories:
​
dining $ 300
​
groceries: $400
​
travel: Variable, but I travel abroad at least twice a year. Sometimes more.
​
Open to Business Cards: No
​
I just got an Amex Gold that I'm using and plan to use as my daily driver in the US. I have a 8 yr old Citi Thank You Preferred that I will barely touch from now on, not closing it because it is my oldest card. However, I do travel to Mexico, sometimes three times a year, and I would like a Visa/Mastercard CC with no FTF and no AF. Many small businesses in Mx do not take Amex, and I like eating and shopping at small places, so there's a good chance my Amex gold won't be taken, and Citi Thank You charges 3% FTF.
I have been looking at Capital1 Savor One and Quicksilver, but I feel C1 is low-balling me cos when I use the pre-approval website I'm offered C1 Platinum Mastercard and Quicksilver One with 45$ AF (!!) and no SUB.
So basically the third card would be used while in Mexico/abroad and only if the shop doesn't accept Amex. A SUB would be nice, but maybe not necessary. Some cashback would be nice as well. Not aiming for travel rewards because there's a chance that third card won't see much action, even if used heavily while abroad, I would still buy airfare, hotels, etc with Amex gold.

Warning: This is a way too long and probably very dumb post about my personal experience listening to the new album that I don't know if anyone but me will care about, but I'm posting it anyway because I've spent too long writing it to throw it away now.
So I found out about Owl City in 2019 (which feels like a long time ago for me) and he was the first artist that I like, actually became a fan of. I immediately fell in love with his music, listened to all of it and loved it, and then for the next year or so I listened to it all the time. After that, a lot of things began to change in my life and I eventually started to listen to it less and less, but I still appreciated what it had done for me and I looked back at it with fond memories. And then this year, when he announced he was coming back with a new album, I didn't really know how I felt about it. Of course I was excited, it was the first time I would actually be there to witness a release of any sort from him which was very exciting, but I also felt like I was a much different person than I was when I listened to the rest of his music for the first time. Yeah, it had only been about 3 years but as I said a lot had changed in my life, so I didn't know what I would think when I actually listened to the new album. But regardless, today I went to the park feeling somewhat nervous, found a nice place to sit down and listened to the album. And it's been about two hours since then and I am still trying to process my emotions from it. I feel like the three singles we got from the album were all pretty light-hearted - a song about vacations, a song about working at a grocery store and a Castaways song (I still need to watch that movie). And when I listened to those three as they came out, I thought, "Oh, this is going to be another fun, light-hearted album like Ocean Eyes. Cool". And there was definitely some more of that on the full album (I knew Learn How to Surf was going to be a bop from the preview but the full thing is an absolute banger), but there were also some heavier songs that I was absolutely not emotionally prepared for when I listened to them. I don't know if "heavier" is the right way to describe it, but they made me feel stuff is what I'm trying to say. Namely Dinosaur Park, Under the Circus Lights and The Tornado. These three songs in particular made me feel more emotions than any Owl City song has in the past and I do not know why, or how to describe any of said emotions. I don't know if that's just because the songs are really good (which they definitely are either way) or because this is the first time I've listened to one of those kind of OC songs for the first time since 2019. By "those kind" of OC songs I mean like, ones that have that special kind of charm that makes you go, "Wow, life is actually beautiful" (Cheesy I know, but it's true for me at least). And I was not expecting to feel that ever again, but I did, and it's just been so long since I've last felt that, or it feels like it at least because so much has changed and happened to me since then. But it's still true, life is still beautiful, just like it was then, and it will keep being true no matter how much I change and how many bad things happen to me. Am I overreacting? I probably am, it's just an album after all, but it means a lot to me either way. Music is a weird thing for me, usually I like to look at art through an objective lens and judge it, but with music, my opinion on it is solely based on how it made me feel, and I have a hard time judging it any other way. Maybe Coco Moon isn't technically the best album of his so far, I'll leave everyone else on this sub to decide on that, but it's definitely had the greatest effect on me personally out of any of his albums. A lot may have changed, about both me and Adam's music, but Owl City still connects with me personally in a way no other piece of art ever has. Thank you, Adam, for letting me feel that magic again, and I hope you will continue to make beautiful songs like these and change peoples' lives for the better for years and years to come.

Hi everyone, currently using a throwaway. I am a frequent lurker on this sub & have gotten so many great tips and suggestions from other parents. I am currently in a predicament and looking for some advice on how to proceed… Sorry in advance for all of the abbreviations and the extremely long novel; there is a LOT of context behind the current situation that I’d like for you all to consider!
So SIL— my husband’s older sister but I consider her my own sister and am very close to her— was recently let go from her full time remote position. She has found a new full time job, this time in person, that is M-F 8:30-5 and starts relatively soon. She has 2 children: niece 1F, and nephew 10M.
Since both she and and her husband (BIL) would be working full time, naturally the question of childcare came up for the days both would be working. She informed me that her MIL (BIL’s mother, who lives 1 hour away) would be meeting SIL approx. halfway to do a drop off and watch niece for the full shift, then do the same thing for pick up… This is a lot of driving/gas/time spent for everyone involved (and they have tried doing the full commute before so I know how hard it is, even split in half).
I currently stay at home with my only daughter 2F. This was always the plan with my husband until my daughter is old enough to go to pre-k/kindergarten. He makes a decent income to cover all of our bills and have a little bit left in the bank after too.
I have offered to watch niece part time at 1-2 days max per week, split between the MIL watching niece 1-2 days per week that both parents are working. (Please note that SIL did not ask me directly; I have offered to watch her as I feel bad for everyone and really do not want her to spend so much time in a car seat shuttling from place to place every week… I also know SIL has a slightly strained relationship with her MIL so I am trying my best to alleviate some of the stress on SIL shoulders as well since they clash on a lot of different things [especially respecting boundaries and SIL wishes]. And SIL has offered to pay me a fair rate as well, I would not do all this for free.)
The main question is, what is the fair price for this service? It would be 1-2 full days of childcare. According to her, a local daycare is asking $450 per week in the area which seems like a lot but I am not well versed on numbers or hours/unsure if it is in home or a typical daycare center or not… The biggest difference is that I know the level of care I will provide, as her aunt, is infinitely much better over a daycare… I would be providing her plenty of one on one time, meaningful play, home cooked food & snacks, and she gets a perk of spending quality time with my toddler as well.
Logistically I would be watching niece from what looks like between 8-5:30 or so. Luckily she is a pretty easy baby and is not too fussy or difficult (unlike my feral toddler lol). I would also be responsible for nephew (10M) for a short amount of time once he comes home from school, until one of his parents gets home. He is a mostly independent kid.
There are sooooo many factors overall but the main thing is that I do not want this to strain our current relationship as we do have different parenting styles plus she is returning to work out of necessity and I want to respect that, not to mention the financial aspect of it all also.
(The backstory is SIL, her husband, and 2 kids moved in with us to save money to pay off their debts and save for a house. They originally moved in with MIL living 1 hour away from the city last summer, commuting to the city for work/appointments 2 hours a day… That was not feasible long term with 2 kids, especially in our winter climate, and so my husband and I offered for them to move into our house that we had just bought, with us. They have 2 rooms out of the 3 and we share all other spaces, without charging them rent. We did this knowing they would do the same for us, if the roles were reversed. They moved in with us last August right before nephew started school & claimed to only need to stay with us 15 months or so optimistically, to do all of the paying off/saving… I do not know the current timeline or where they stand right now.)
The question of finances is hard as I am not sure what a decent wage is for this type of situation, and inflation has not helped at all… My husband and I have a joint account. We do still have a few small amounts we need to pay off and since inflation is kicking us in the ass as well, I’d ideally LOVE to be able to have my own source income to contribute as I do not have the time or ability to work part time or remote currently… We currently pay our mortgage in full. As I have stated before, we do not currently charge them any rent. They split other utilities such as groceries, internet, power, water, etc pretty much 50/50 each month. As the SAHM I do majority of the cooking, cleaning, grocery shopping, bills maintenance, etc and everyone chips in where they can and alternates occasionally.
With this new job, they will both be in a slightly better financial spot than us, as my husband’s decent income goes towards the 3 of us plus mortgage and half of bills. I suppose I have a few questions:

1. What is a fair rate to charge per hour or day? I do not want to undervalue my worth as I know I will take care of both children as best as I can, but also do not want to overcharge as that would mean they wouldn’t save as much per month/live with us longer (which I know no one wants, we all want them to get a house and I know we all want our own space lol).
2. How do I ensure that I am not being taken advantage of? What should I ask for in return, as I would be taking care of 2 children while the other adults work full time? My loss of time & freedom are mostly at risk here, since I originally only agreed to stay at home with my one & only toddler and she is starting to get to the independent age now, unlike my niece who is still learning how to walk and such. (I am also unsure of our own future, but we are most likely OAD unless our situation or fortune changes drastically.)

If anyone has any advice on all of this please let me know— literally anything is welcome at this point.
Thank you all in advance and sorry again for the long novel. 🙂

I’m going on a roadtrip down the Oregon Coast at the end of June with my mom. We’ve pretty much just mapped out where we’ll stay the night, we’re trying to keep it as low budget as possible so we’ve used our credit card reward points etc. My question is because when I’ve discussed my plans with my coworkers, they’ve all said they’ve done the drive and I absolutely have to check out places like Grant’s Pass or Portland etc. When I look up whatever town/city they mention, these places don’t actually seem to be ON the coast but a bit more into the interior. Are these places still considered the Oregon Coast?
We’re going to be stopping for the night in Astoria, Newport, Coos Bay, a night at a casino over the border into California a bit, and then back up to Florence, then to Garibaldi, and then headed home stopping for a night in Washington.
I asked my mom about it but she just said most people go for 2 weeks whereas we’re just doing 1 week so other people explore more areas and head further inland.
The thing is….I’m starting to wonder if we’ve messed something up. The rooms are booked and I don’t want to mess around with trying to get points refunded but is our itinerary fine? Like…..am I missing something? I don’t have anybody saying “make sure you stop in Newport and see the whatever there”, it’s always inland places mentioned.

• Current cards:
  
  • citi visa costco signature -12k
  • citi thankyou preferred 23k
  • bofa visa americards rewards-23k
  • apple cArd- 20k
• FICO Score: 845
  
• Oldest account age: 24
  
• Citi thank you: some time in 1999
  
• Income: 600k(salary/bonus/rsu), 100k in rental
  
• Average monthly spend and categories:
  
  • dining $1000
  • groceries: $1500
  • gas: $100 (evs)
  • travel: $1000
  • other: $5000(kids school, college)
  • mortgage: $5500 (including rentals)
• Open to Business Cards: dont have a business
  
• What's the purpose of your next card? *Travel, Cashback, Lounge Access at airports
  
• Do you have any cards you've been looking at? Was thinking of black card.
  
• Are you OK with category spending or do you want a general spending card? General spending card.
  

A little bit about me: Migrated to US is late 90’s. Established good credit. Never paid attention to cards and took a few without doing any research. I never carry balance. Gets some rewards from cards. Didnt try to optimize it. Recently found a couple of cards with 20k limit was closed since I did not use it for a while.
Me and spouse travel a lot. Both internationally and domestic. Based in bayarea. Her profile is similar to me. We want to enjoy airport lounges and upgrades. I dont mind paying annual fees.
Please advise.

As a huge fan of graffiti, murals and generally all things art I feel as though Omaha is a city with one thing lacking: a legal mural/graffiti wall. This is something I have been thinking a lot about lately as most cities have something like this. Omaha does have 1 location, but it’s on a “know the owner” basis, which is really quite unfortunate. I want to try to get the city on board with devoting a section of levee wall (which I haven’t seen up close so I don’t even know if it’s a viable option) near the river against the downtown area and turn it in a “free to paint wall”. The metro, including Lincoln, has a fantastic art scene with a ton of extremely talented painters who could seriously bring a pop of color to the landscape and the premise of a legal wall is that anyone can come and explore their creative side allowing for a rotation of art work to be on display. I just can’t imagine the number of people in this city who have talent that goes to waste because graffiti and street art is illegal and the city just simply does not have an outlet for them to release their artist and creative potential.
Basically my point of this post is that I want to get something like this done but I have absolutely no idea how local politics works and I was wondering if anyone would be willing to assist me with this or point me in the right direction.

Here is the line up of cards I use for rewards today: Verizon Card - 4% Grocery & Gas,
Venmo Card - 3% Utilities,
Discover It - 5% on the quarter spend category,
Amazon Card - 5% Amazon,
Target Card - 5% Target,
Apple Card - 2% Apple Pay purchases,
Other cards I own: Delta Reserve, Chase Bonvoy, Citi Diamond Preferred, Best Buy, Home Depot, Belk, Discount Tire
I was thinking of adding two more cards to cover gaps…
AMEX Blue Cash Preferred for groceries/streaming. I am a single parent of two kids so my grocery bill is legit.
X1 Card to cover my two daughters private school tuition after the tax free $10k from 529 and $5k for dependent care account; leaves about $20k in spend on the card. Thought it would build up nice rewards.
What say you? Any better suggestions?
Income: $375k FICO: 750-780 Length of Credit: 20 years
Side note. Capital One has always hated me and never approved me for anything. No clue why.

Current cards:
Amex Blue Cash Everyday
Chase Freedom Flex
Apple Card
Discover it Student
Capital One SavorOne
Amazon Prime Rewards
Petal 2 Visa
FICO Score: 708
Oldest account age: 3 years
Income: $35,000
Average monthly spend and categories:
dining $150
groceries: $500 annually (wintesummer when not on university meal plan)
gas: $0
travel: $1,100 annually (Uber, flights, Amtrak/bus)
other: $2,200 annually (textbooks, entertainment, shopping (largely clothing), misc life expenses)
Open to Business Cards: e.g. YES
What's the purpose of your next card?
I’m planning to travel a fair bit over the next year or two. I’ll be traveling for a summer research program this summer (~$800 in flights, Uber, to be reimbursed), taking a college senior year trip to Florida in the Fall (~$600 in flights, hotel, food), a trip out of the country sometime later this year or otherwise next summer, plus the usual travel to and from home. I’d like to save towards that, and also perhaps improve upon what I’m getting on day-to-day spend from my current cards.
I use the BCE for groceries and online shopping, the SavorOne for dining and Uber, Amazon Prime for textbooks and life necessities bought on Amazon, and the Apple Card for misc expenses. I find myself forgetting to activate the Chase and Discover categories, and simply not wanting to worry about them, and have only used those cards a handful of times.
I’m ok with cash back or points. I currently use Rakuten, Ibotta, and Lolli to “stack” cash back rewards.
Do you have any cards you've been looking at? I was recommended the Amex Gold with the current $200 + 90k points offer, however I’m not sure if it makes sense in the long-term. I could meet the $4,000 spend, but I’m not sure that it would be worth it the second year (although I suppose I could just cancel and open a checking account or some other MR-earning card to maintain the points)
I’ve considered the Citi Custom Cash for 5% on two categories, however it seems I’m not pre-approved. Also considered the US Bank Cash+, however only the ground transportation and perhaps clothing/department stores categories would be useful to me (and the latter very minimally),
Are you OK with category spending or do you want a general spending card? YES

Hello!
My husband is active duty Air Force currently with a little over a year left. We're trying to go Skillbridge and move back home next January as his separation date is June of 2024.
One big obstacle we're coming across is we're from Oregon where there are currently no HVAC programs available. We are looking to move to a smaller city about 2 hours from Boise ID, but he can't be driving that far to a job everyday.
Does anyone have any experience vetting a business local to the area they are moving? How difficult is it for the company to do (we don't want to inconvenience them too much) and are there any certain requirements of the company to qualify?
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TLDR; My husband wants to Skillbridge and there are no HVAC/R programs in OR or ID area we are moving. Looking for advice from people who have vetted companies for SB.

27F, in relatively good shape, social drinker. You can see my post history for a more detailed backstory, but long story short:
I had follow up imaging done in January for a stroke I had in November (cause of the stroke unknown, but doctors are speculating the cause was RCVS, or a complication from RSV, since those are consistent with the scattered hemorrhaging I had), and the follow up imaging flagged a small aneurysm. 4mm on my "left cavernous/supraclinoid junction". In retrospect, this was visible on my earlier scans in November, but the radiologists then didn't flag it, for whatever reason.
I sought a second opinion from a university research hospital in my city, Northwestern, and had an “advanced aneurysm MRI” (increased magnetism for higher res) done 2 weeks ago. The results from this MRI revealed a second aneurysm. 3x3 mm aneurysm in the “basilar tip”. The results note that this looks like it was actually visible in the earlier imaging I had done in November at the other hospital, but the radiologists there didn’t flag it. My neurosurgeon's assistant emailed me about these results, and noted that the risk posed by this 2nd aneurysm is a bit higher than the risk posed by the 1st aneurysm (google searches seem to put the 5 year risk of rupture for aneurysm #1 at about .4%, vs. somewhere between .9% and 2.5% for aneurysm #2), but that overall, the neurosurgeon thinks it's still low risk.
My neurosurgeon brought up my case at the vascular departmental conference that was held earlier today, to get a consensus on how to proceed in my case. His assistant emailed me back a couple of hours ago with their recommendations - which apparently, is still to just "wait and see", and get another MRA done in 6 months.
Honestly, I'm not psyched about this. I don't know if the daily anxiety involved in the "wait and see" approach would work for me, and frankly, a .9% change of rupture in the next 5 years is still too high for my liking. On top of that, most information I can find online seems to indicate that having multiple aneurysms also increases your overall risk of rupture. So the true risk is likely even higher than that.
I'm not sure how to approach this though. I like my neurosurgeon, and don't want to make him feel like I'm stepping on his toes or anything, if his professional opinion is that waiting is better. And if the risk of undergoing surgery right now his higher than the risk of rupture, it probably makes sense to wait...but if the risk is more of a toss up, I'd honestly be more comfortable just intervening now and getting surgery done (which in my case, would be endovascular)
Would love to hear anyone's thoughts. Should I talk to my neurosurgeon and push for surgery? Or maybe seek out a 3rd opinion? (I'll be in New York this summer, so could maybe try to see someone at NYU Langone which I know is highly regarded for neurology) Or just suck it up and wait and monitor?